Fair question, but OTOH it kinda doesn't matter since nobody does either. Seriously, everybody talks about saving money, and everybody intellectually agrees it

Fair question, but OTOH it kinda doesn't matter since nobody does either. Seriously, everybody talks about saving money, and everybody intellectually agrees it's a good thing, but next to nobody actually does it. Which means, even if you're aiming for 20% of the little number, you're behaving smarter than the vast majority of your peers.